No bank connection
What Monnex can and cannot see.
Monnex vs Spendee: an honest comparison
Spendee is a budget planner for iOS, Android and the web that can connect to more than 2,500 financial providers and offers shared wallets on its paid plans. Monnex does not connect to banks: it records operations from one line, a Telegram bot or a statement file, and adds net worth with investments, crypto and debts. Spendee’s paid plans are priced in US dollars; Monnex Premium is priced in Telegram Stars.
Updated
Side by side
Monnex and Spendee compared
| Monnex | Spendee | |
|---|---|---|
| Platforms | Telegram Mini App and the browser (app.monnex.app); no native apps yet | iOS and Android apps and a web app |
| Bank connection | None: one line, the Telegram bot or a statement file | Bank connections with more than 2,500 financial providers |
| Currencies | 21 currencies; dated NBU rates, or a manual rate | Multiple currencies |
| Budgets | Monthly limit and category limits, no count limit, on Free | 1 budget on Basic; unlimited on paid plans |
| Shared wallets | Personal accounts | Shared wallets for couples, families and roommates on paid plans |
| Net worth with investments, crypto and debts | Yes | Not described on its official pages |
| Price | Free: the full ledger; Premium 120 ★ a month or 990 ★ a year (payments not enabled yet) | Basic free; Plus $1.99 a month or $14.99 a year; Premium $5.99 a month or $35.99 a year (USD, may differ by country) |
| Trial | 21 days of Premium free for every new user | A 7-day trial of each paid plan |
Spendee facts were checked on 16 October 2026 on the pages listed below. Which Spendee plan includes bank connections is left out: its pricing page and help centre described it differently on that date.
Honestly
Where Spendee is stronger
Spendee can pull transactions from banks in many countries, so card payments arrive without typing. Monnex does not connect to banks by design: nothing has access to your bank, and operations come from you or a statement file.
Spendee also has native phone apps and shared wallets for a household on its paid plans; Monnex accounts are personal.
When Monnex
Monnex fits better if…
- you prefer not to give any app access to your bank;
- you want to record an expense with one message in Telegram;
- you want any number of budgets and goals without a paid plan;
- you want investments, crypto, property and debts in one net-worth figure.
Questions
Moving from Spendee
Can I import my Spendee data into Monnex?
Yes, from a CSV or XLSX export: Monnex recognises Spendee files and shows a preview before anything is added. The first import is free.
Will Monnex connect to my bank like Spendee?
No. Monnex never connects to banks. monobank sync is planned for Premium and is marked “soon”.
Can my partner and I share one budget in Monnex?
Not as a shared wallet: each person has their own Monnex account. Our family budget guide shows ways to plan together.
Sources
Where the Spendee facts come from
- spendee.comPlatforms, multiple currencies, shared wallets.
- Spendee pricingBasic, Plus and Premium prices in USD, 7-day trials, budget limits, shared wallets on paid plans.
- Spendee bank connectionsMore than 2,500 financial providers worldwide.
- Spendee help centreConnecting a bank account through the web app or the mobile app.
Checked on 16 October 2026. Import and export details of Spendee were not confirmed on official pages and are left out.
Related
Related pages
How to make a family budget
Planning together with personal accounts.
Monnex vs CoinKeeper
Another tracker with bank import, compared.
Try Monnex without connecting a bank
Import a Spendee export once and compare.